Based on the settlement amount of small and micro enterprises in Minsheng Bank account as the core loan, living water loan is a small credit loan issued to qualified individual operators, small and micro enterprises, shareholders or actual controllers in a convenient and simple way.
Operating loans generally require enterprises to operate normally for 2 years or more. The loan amount shall not exceed 30% of the borrower's family net assets and 65,438+00% of its annual business amount. The maximum credit line for a single household is 1 0.5 million yuan, and the longest credit period is1year. Through the streamlined and standardized operation of micro-loan application, approval, lending and post-loan management, the loan can be released on the same day when the information is complete, which effectively solves the loan demand of small and micro enterprises, and customers do not need others to guarantee or provide collateral as a guarantee.
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
"Three natures" refer to safety, liquidity and efficiency, which are the basic principles of commercial banks' loan operation. Article 4 of the Law of People's Republic of China (PRC) Commercial Bank stipulates: "Commercial banks shall operate independently, bear their own risks, be responsible for their own profits and losses, and conduct self-discipline management based on the principles of safety, liquidity and efficiency."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period of time or realize it quickly without loss of land, so as to meet the demand of customers for withdrawing deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if long-term loans are issued, the interest rate will be higher than short-term loans, and the benefits will be good. However, if the loan term is long, the risks will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.
What is a current loan? New financial solutions for micro enterprises!
In modern society, finance has played an important role in promoting economic development. Various credit services help individuals and enterprises meet their financing needs. There are only financing methods that you can't think of, and there is no financing method that you can't provide. Under the impact of emerging internet finance, traditional banks have also begun to transform. In recent years, running water loan is such a product.
What is a current loan?
According to the POS data, the bank grasps the data and information of the enterprise's operation ability and capital demand, and approves the loan to customers. This new loan does not need to be mortgaged or guaranteed for the fund settlement of POS credit card transactions. Loans can be borrowed and repaid at the same time, and one application can be recycled, which is very convenient for small individuals and small business customers.
Advantages of running water loan
POS running water loan is a financial product specially tailored by banks for small and micro enterprises and individual merchants, which is suitable for UnionPay business POS merchants with short-term capital requirements below 500,000 yuan. There are three main advantages: the biggest advantage of the loan is that there is no need for mortgage or guarantee, and the customer only needs to provide a running account to complete the application; 2. It is convenient and quick to apply for a loan. Some banks can lend money for 5 minutes; With your borrowing and repayment, you save a lot of loan costs for your boss.
Judging from the product model of POS running water loan, in the future, banks will be more and more adapted to the rhythm of Internet finance in the innovation of various financial products. Under the same conditions, the low interest rate of bank credit will have great advantages!
What do you mean by bank loans? Why should they flow?
Bank running water is a kind of proof material to prove the income of individuals or companies, and it is also a necessary material to apply for loans from banks.
The way of operating the bank;
1. After confirming the bank where the passbook belongs, you can bring your ID card and bank card to the nearest bank outlet, and the staff will print it for you.
2. You can also bring your card or passbook to the self-service inquiry machine in the business outlets to print it yourself.
In addition, you can also query the bank flow in the following ways:
1. For users who have already opened online banking, they can log in to online banking for inquiry.
2. For customers who have launched mobile online banking, they can also log in to the mobile phone to make inquiries.
Extended data
1. Requirements for borrowers to apply for bank loans
1,1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)
2. Have the ability to stabilize employment, income and repay loan principal and interest on schedule.
3. The actual age of the borrower and the loan application period should not exceed 70 years old.
Two, the borrower should provide materials;
1, ID cards of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.
2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate.
3. Proof of income (format stipulated by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
What is a current loan?
The simple and popular understanding of loan is to borrow money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. For more information, please consult Beijing juduobao network technology co., ltd, thank you!